Home Insurance in Garden City, New York
The median home value in Garden City is $1,075,900, 57% higher than the Nassau County median.
The typical home in Garden City was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 83% of homes were built before 1960, about 17 points above Nassau County's 66%.
Housing in Garden City breaks down to 84% single-family homes and 15% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Garden City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Garden City has an owner-occupancy rate of 94% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Garden City, 80% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nassau County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Nassau County had 40,437 active NFIP flood policies as of September 2026. See the full Nassau County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $1,075,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Nassau County | 40,437 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Nearby towns
- Mineola
- Hempstead
- Stewart Manor
- New Hyde Park
- Williston Park
- East Williston
- South Floral Park
- Floral Park
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)